text:
Always Free Shipping for Birchbox Aces
Free standard shipping on orders $50+
Create a free account to check out faster, store multiple shipping addresses, view and track your orders in your account, and much more.
Please enter your password to continue.
Oribe, hair stylist to the fabulous, knows that you have to give color-treated hair special attention. This super-thick conditioner repairs and protects damaged, overtaxed tresses.
I have color treated hair but unlike most people who have colored hair mine is not overly dry. I find that most hair products for color treated hair make my hair too oily. This conditioner restores the moisture I need without any I don't. My color lasts longer and has a healthy natural glow to it. I also love the scent!
I have been searching for years for the perfect conditioner, and this is it! It leaves my dry/damaged/curly hair silky, shiny, and manageable. It has a wonderful scent that stays in the hair. I have never been able to just air-dry my hair, but I can with this shampoo and conditioner. In love <3
I've used Oribe products for a while and can't get enough of the smell. It's intoxicating! On top of that their products, including this conditioner, are excellent.
Love the conditioner, works pretty well however I'm a huge fan of the Oribe hair mask for beautiful color. I couldn't find it on Birchbox so I purchased this instead. This got the job done as well, however the hair mask is obviously more nourishing and better-suited for damaged hair.
Love the smell of this shampoo and conditioner! I feel like it keeps my hair cleaner and smelling good for days! I also love that I dont have to wash my hair everyday....my hair doesnt seem to get as greasy as fast with this! LOVE!
I loved the sample of this conditioner! It really left my hair feeling so soft and smooth. A little bit goes a long way and I wish I had more! I will definitely be buying it. It smells great too!
From the reviews and the price point I thought this would be a great conditioner. While there isn't really anything wrong with it, it isn't that special either. I usually use a spray in conditioner when I travel for work, and I find myself using it a lot on top of using this in the shower. Wouldn't purchase again as you don't get very much for your money.
But it wasn't. I've read such great things about this conditioner and I reallllllyyyy wanted to like it but it didn't do anything for me =[. My hair is straight and medium-fine, and this conditioner didn't detangle or give my hair any shine. I was really hoping it would be comparable to Alternas Caviar Moisture conditioner (I love that stuff but I know I need to switch it up so my hair doesn't adapt) but it wasn't. I tried it a few times hoping it would eventually make a difference but no luck. Not for me.
I love this one along with the shampoo. It makes me feel like I am treating myself to a salon day each time I use it! Thank you BIRCH BOX
I love everything about this conditioner. From the way it smells, to the way it moisturizes my hair, to the packaging. This is one of my favorite conditioners - very moisturizing - especially for dry-colored hair.


text:
Colorado Mesa wrestling team goes 2-1 at Grand Canyon Duals
Colorado Mesa dominated two teams, but were also dominated in a third wrestling dual. The No. 14 Mavericks (6-1) were 2-1 in the Grand Canyon Duals on Saturday in Phoenix. Mesa defeated…
Want to read more?
This article and other exclusive local content now require a subscription. (Learn More)

subset: commoncrawl


text:
Blog Archives
Types of Arrhythmias
An arrhythmia is an abnormality of the heart rate or rhythm, such as beating too slow, too fast or irregularly. There are many different types of arrhythmias, and some are more dangerous than others. To learn more about arrhythmias and …
Categories: Cardiac Health Tags: Arrhythmia Center, Arrhythmias, Cardiac Care, Cardiac Electophysiology, Cardiac Health, cardiology, electrophysiology, Florida, heart attack, Heart Care, heart conditions, heart health, Heart Healthy, Hudson Florida, Regional Medical Center Bayonet Point, Types of Arrhythmias 0 Comments and Reactions


text:
Write Review
My Account
Manage Account
Compare Financial Services
North American Bancard
out of
Reviews & Complaints
Most Popular
More Options >
More filter options:
Customer Service
Service Fee
Company Policy
Product/Service Quality
Share this page [+]
Extremely DISSATISFIED SERVICE and CHARGES
Posted by Watchful on 02/25/2005
TROY, MICHIGAN -- I decided to open a new company and added Credit Card services for my customers. This company will sell you a ship compared to other services on the market by starting off with Free Terminal equipment, all the benefits and fees you feel is ideal but they stick you with a 3 year contract and an enormous cancellation fee, and absolute worst customer service. They did not document my problems and claim they did not have any records. I went through telephone training. But when it was time for the real transaction, everytime I had a problem trying to process a credit card, IT NEVER WORKED. I tried to call into the bank and they closed early so you had to use the automated system and it never processed my transactions. I talked to technical support and they never got me working either. I decided to cancel my services 3 months later and they threw up the cancellation fee. I decided to ride out my contract at a low cost monthly, they decided to double my monthly fee after 2 years and debit it from my account without my knowledge or agreement. Everytime I called, there is no management available and they were not flexible about resolving the problem. I am currently seeking assistance to fight against this company. I cancelled their access to debit my account any longer and they are still threating me they will continue to debit, even without my permission even after I submitted in writing 3 times. I WOULD NOT RECOMMEND THIS COMPANY TO MY ENEMY, IT IS NOT WORTH YOUR HEAD-ACHE.
Read Company Response
Company Response on 5/30/2006:
I apologize that this response is delayed; your posting was recently brought to my attention.
At North American Bancard we pride ourselves on providing quality service to our Merchants while also offering one of the most competitive programs in the industry. We have implemented several changes to improve our service in the last year. We sincerely apologize for any technical or service related issues you experienced and would like to take this opportunity to discuss this further with you in order to reach an acceptable resolution.
Please contact me at your earliest convenience to discuss this matter.
Thank you,
Kimberly Tippin
Director of Customer Contacts
North American Bancard
800.226.2273 Ext. 1050
Was this review helpful?
Read 9 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by saarin on 2005-07-22:
I am having similar problems and have contacted a lawyer. If there are more people out there with problems, please let me know at email@example.com
Posted by Ignatius on 2005-08-16:
We've been dealing with a similar problem with these thieves and would love to find a way to make them accountable. They are impossible to deal with and have absolutely the worst, most unhelpful customer service. Not only does it feel like you're jumping through hoops, but the way they upped the montly fee by $20 is indicative of something more problematic and shady.
Posted by tenmilefarm on 2006-11-23:
I am having similar problems. They have fraudulently claimed that I have a three year contract, when in fact it is only one year. Their cellular hookup is extremely intermittent as well.
If anybody finds a lawyer to start a class action, please let me know.
Posted by gautier on 2006-12-14:
I recently have had terrible customer support from North American Bancard in regards to accepting credit cards. After a year, I had to cancel as they were not providing the service I had paid for and they agreed to provide over the past year. They threatened me with the 3 year fine print contract as well. Attempts to resolve were fruitless. I am currently seeking legal advice. I would advise to be EXTREMELY CAUTIOUS before doing any business with NorthAmerican Bancard with regards to credit card processing and BE SURE to READ ALL THE FINE PRINT on their contracts before signing. Please feel free to contact me for more particulars.
Posted by Blackball tattoo on 2007-06-07:
lawyer. hell yes. let me know. i wrote the other review and still havent got my money yet am bound by a contract. where is our protection
Posted by katydydisme on 2008-10-28:
Yes, we too, I would be interested if anyone can get a lawyer in on this...It is appearing to me in doing a search on the Internet for NAB problems that many have been ripped off by NAB...
My husband started an acct. with these people thru a so called sale rep in early '07 who walked in off the street, big mistake. He sold him on a 1 yr. contract that turned out to be a 3 yr. contract where he thought he would be saving a few dollars a year. So far it's cost several hundred dollars more, duhhh.
This sales rep also didn't tell him or put in the contract he signed about the extra $25 a month fee. I know my husband and he was only doing this to try and save money, the extra $25 a month wasn't going to save him, it would cost him so he would never have signed up with NAB...
Shortly after he talked with them about being ripped off by this and wanted out of this contract, being the time he found out he had a 3 yr. contract instead of a 1 yr. contract , NAB also charged an extra $295 twice on the same day at the same time. So when he asked them what the $295 fees were for they claimed they didn't know. They knew and know, I found out it's a cancellation fee and they charged it twice yet said, oh, we will investigate it and did nothing. He kept calling them trying to get someone to help him and they wouldn't even answer the phone and wouldn't call back on the messages he left them. These people are the worst I've ever heard about or we've ever dealt with and we've been in business a lot of yrs. They are now threatening to charge us personally for another close to $1000 and the business is incorporated.
This has been the biggest mess and he had to close that acct. and open up another acct. to get them off our backs. That is what you will have to do if you want to get rid of them for they will not go willingly.
I hope others will check the Internet before signing up with someone like this for my hubby didn't do that and I would have but he didn't tell me until after he had signed up...
Posted by stylist on 2009-02-12:
I have had similar problems with this company. I was misled by the aggressive sales person & never would have signed a three year contract for anything. My (free equipment) broke down in less than a year. I was told I could buy a new machine for over $500. or phone in my transactions. After phoning them in some were going to another business. I was told I was entering them wrong. Anytime I called & was actually able to get a person it was like starting all over again. They didn't know anything of my previous calls. I don't even know exactly how much money I'm out, & still paying the monthly fees. I would never recommend this company to anyone.
Posted by Global 1 Merchant Customer on 2011-06-09:
To all potential customer of Global 1 Merchant/Ken Einiger, make sure you ask him about all hidden contractual terms i.e. termination fee, # of contract years, and see the contract before you sign anything. Ken is a scammer, he'll not disclose these terms in order to get your business. After you sign, you'll be screwed big time. I am one of his many victims.
Posted by Global_Backstab on 2012-10-10:
I registered with Global after starting my own salon business. Seemed like a good deal - a one year contract and only $10/mo processing fee. Well, somewhere in the fine print, it turned into a three year contract and $30/mo processing -- and their "per transaction percentage" take was too much to deal with. They were milking me dry!! They threatened to "ruin my credit" if I did not pay $325 to opt out of their contract. I refused and they fraudulently tried to access my checking account twice to get the funds from me. I had to cancel my checking account and warn my bank against these bafoons. Bank of America said they already had previous expereinces with these people trying to access their customers' accounts without consent.
STAY AWY FROM NORTH AMERICAN BANCARD SERVICES. They are preditory, frauds who cheat you in the fine print. The fax they send you is unreadable, so you can't even read the fine print! They are crooks and I'm so surprised they are still doing business. Write your state Attorney General's office if you have any problems with these people.
Close comments
Add reply
North American Bancard, PCI Compliance Trouble, Possible Scam/Fraud/Deceptive Practice
Posted by PCITROUBLE on 01/01/2009
Here is a story I urge anyone considering a merchant account, or have one already, to read. It involves some very strange practices by a credit card processor, North American Bancard. My hope in writing this is to bring light to this issue, since PCI compliance is an unknown to most small merchants. I hope other processors do not follow in the steps of North American Bancard. I'm not sure if what North American Bancard is doing is illegal, but it sure sounds bad and at least has to be considered deceptive.
Sometime in late 2008 I referred a friend of mine to North American Bancard (NAB) for credit card processing. They ran a small grocery store and needed a simple swipe machine. They received their merchant account from NAB and started their business and use of the machine. Sometime in November/December a statement came in the mail with a note saying that there will be a PCI compliance fee of $79.99. I offered to help find out what this PCI compliance was and get them 'compliant'.
I first spoke to NAB in early December, asking what the fee was for. They said it was to get us PCI compliant. They made it sound pretty simple, pay the fee and you are compliant. The fee was $79.99 per year. I inquired if we can get our compliance from someone else, as it sounded pretty strange to begin with. The representative said I could go somewhere else for the service, and if I provided the compliance paperwork they would remove the charge. It's good to do some research before blindly paying a fee, maybe it was cheaper elsewhere? Some research was due.
Asking a few more questions, I found out that the fee was apparently for help from Mcaffee (the virus and security company) for their PCI compliance service.
Doing a bit of research on the internet, I found the the official PCI compliance website, or more properly the "PCI Security Standards Council" at http://www.pcisecuritystandards.org/
You can read a summary about the PCI organization at: https://www.pcisecuritystandards.org/about/index. shtml
It's basically a council formed by the big credit card companies to come up with security standards to help avoid credit card fraud.
Looking at the website initially can be overwhelming, and I think this is what NAB is counting on, the merchant getting 'lost' in all the regulations. Digging more into the site gave a list of approved security vendors, which I might require the help of, to get PCI compliant. They use acronyms for their certified for these folks.. QSAs (Qualified Security Assessors), PA-QSAs (Payment Application Qualified Security Assessors), ASVs (Approved Scanning Vendors). The heart of the regulations appear to be aimed at big retailers or other big businesses which store your credit card number and other information. Although it applies to everybody, there are obviously differences in the regulations (and compliance requirements) between a grocery store running 5 credit cards per day on a terminal machine and a big company like Sears or Amazon, which might collect and store information on thousands of customers per day. These rules appear to be aimed at preventing the major breaches in customer information (and hence fraud) we hear about in the news so often these days.
A call to one of the approved providers got me some helpful information. He asked me a few questions and in the end told me to go to the PCI compliance website, fill out the appropriate self-assesment questionare sign it and that was it. He seemed disappointed when I told him we only had a dial-up terminal, and he explained they mainly deal with big companies who need security advice and scans on their networks and servers. I'm sure he was not happy that I couldn't be a customer of theirs, but he was polite and honest in explaining that I didn't need their service.
I further dug into the PCI compliance website. There I found the 'Self-Assessment Questionnaire'. Reading the requirements again, it states that if you have small volume with only a dial-up terminal, you qualify to fill out the questionnaire and sign it. Sounds good, this is what the security provider told me. We fill out the forms (which stated pretty basic stuff like securing the little paper receipts with the card information on them) signed them and faxed them in to NABs PCI compliance division. This was in early December.
We got a call from NAB in late December stating that the PCI compliance paperwork was incomplete. When asked why, we were given the answer that we needed a 'network scan' from an approved PCI vendor. We explained that we were told by a PCI approved vendor that since we only had a dial-up terminal we didn't require a scan. NAB told us no, that we needed one and if we didn't get one the fee would be charged.
OK, before I continue let me give you some background on the store where this supposed 'scan' has to take place. Its a grocery store about the size of your living room, has two employee/owners, a married couple running the whole thing. The business does not have any computers. The only computer this couple owns is at home, which I estimate is at least 5-8 years old, no internet access (they canceled it a while back when they couldn't figure out how to use the computer). If you have any friends like this you know what I'm talking about, they can't use the mouse properly and it takes them about a minute to find and type out one word. When they do turn it on every 3 months, you get a frantic call asking how they shut it down because you told them that just turning it off was not good... it's START.. on the lower left hand corner.. then SHUT DOWN.
Back to the NAB call.. they told me that I can speak to their compliance provider if I had any questions. OK, good, got their number*, and this turns out to be Mcaffee's PCI compliance division. A call to Mcaffee brings a helpful gentlemen on the phone, I will not use his name on the internet, but will call him M-REP1*. I explained to him the situation and asked about this scan. He knew my situation precisely. He told me that they have been getting a LOT of calls from NAB merchants just like us, and he said that since we only have a dial-up terminal a scan cannot be made. He also told me the exact same thing the PCI compliant representative did (from our initial contact with another PCI verified vendor) on our inquiry several weeks before: To go to the compliance website and fill out the Self-Assessment Questionnaire, sign it and send it to your merchant processor, and that would be all that is required. I said we already did that, thanked him and hung up to call NAB back.
I called NAB back. Spoke to a customer service representative and explained what Mcafee and the original PCI vendor told us.. they put us on hold to ask a supervisor. When they came back they again told us we needed to have a scan done, and that if we didn't get one they would charge us the $79.99 to get it done. I honestly didn't know what to say at that point. What were they going to scan??? No coherent answer was given to this question. After the call I wasn't sure what to do, 2 PCI verified vendors were telling me one thing (one of them being the compnay NAB was supposedly contracting to do these scans) and NAB was telling me something else. Out of desperation I called Mcafee back.
I called Mcafee back and out of sheer luck I got the same person I spoke to before. I explained to him what NAB said and he seemed outright frustrated, he told me again of all the calls they have been getting from NAB customers, I told him I though this was a big scam, he said nothing. He explained again that since there was no network he could not issue me any 'scan' certificates, and reiterated that all I needed was a self signed certification for the dial-up terminal. I told him I knew this, but NAB didn't want to believe me. I asked if he could send me any official statement about this, he graciously agreed and in a short time I got an official written record from Mcafee's PCI certified compliance department explaining that they could not issue me a scan certificate since there was nothing to scan, they also mentioned (again) that for a dial-up terminal all I had to do was fill out and sign the Self-Assessment Questionnaire, which was available free for everyone on the PCI councils website, he even provided a link to it. Reading the PCI compliance website some more, this makes sense, if you have a plain old dial-up terminal the only possible avenue of fraud is the information on the little receipts it prints which the customer has to sign. If you secure these, there is no other avenue of possible fraud (this is mentioned and its security is required in the certification you have to sign). Of course there is the dial-up terminal itself, but this is provided by NAB and you have no real control of the security aspects of this terminal. By the way, the terminal itself IS PCI compliant already.
I have sent this information to NAB and I'm waiting for their response. I don't expect to hear back from NAB any time soon, it doesn't matter at this point, if I get this charge removed or not I will continue to collect information and post my experiences with NAB, hopefully informing other small merchants of this practice. I know from talking to the PCI representative that this is a widespread issue and NAB is trying to collect erroneous fees from their small unsuspecting merchants, the small month and pop shops who usually will not research this issue and will probably just pay the fee. For these merchants I'm not even sure what the supposed PCI service that NAB is charging for is. Since they always seemed to reject the validity of the self-assessment questionnaire that is posted on the councils site. Their $79.99 scan of thin air will accomplish zero for these merchants. Reviewing, filling out and complying with the councils questionnaire is all that is needed.
I'll leave you with one more bit of information, during my Internet searches I came upon a list put out by VISA which is posted on their site, named the "List of PCI DSS Compliant Service Providers". It is a PDF document with PCI compliance status of service providers. The list is available here:
http://usa. visa.com/download/merchants/cisp_list_of_cisp_compliant_service_providers.pdf
And as of the end of December 2008, if you do a search in the document for "North American Bancard" you will see them in the list with a compliance date in YELLOW text, what does this mean? According to Visa this is a service provider with a compliance report that is "... 1-60 days late are noted in yellow ..."
Now ask yourself if you are willing to trust or give business to a company that will provide a scan of something they cannot even describe, for a fee of $79.99, something that no one else is willing or capable of doing, and with which they appear to be late in complying with themselves.
If you are anyone in a position to help, State Attorneys office, credit card company personnel (VISA/MASTERCARD/.DISCOVER/AMEX), business organizations, someone from the PCI council, or just have a story or comment about this please email me at email@example.com
*NOTE: I have omitted names, or used references to certain people, extensions, and some contact information to protect peoples privacy. If I am contacted by official sources who might help in this matter I will provide more information.
Read Company Response
Company Response on 1/8/2009:
Dear Concerned Friend,
North American Bancard works very diligently to resolve all customer issues and complaints. Since our inception in 1992, we have worked with over 125,000 merchants of all sizes and levels of complexity. We provide a high level of service and support to our customers, as is evidenced by the low number of complaints we handle. Occasionally we, like any other large company, may make a mistake or mishandle an issue. When these are brought to our attention we resolve them to the best of our ability. Our 250+ employees work hard every day to make doing business with NAB a pleasure for our merchants and stakeholders, all we ask is the opportunity to recover well.
North American Bancard values the business of all of our merchants and we do not take complaints lightly. In an effort to address your many concerns and provide you with some very pertinent information specific to the PCI compliance mandate, we have compiled the information below for your review. Please keep in mind that your individual concerns regarding your "friend's account" can only be addressed by making some general assumptions since specific account information and the business name were not provided for accurate research.
There are numerous organizations and groups that cater solely to the Small Business Merchant, such as the National Federation of Independent Business (NFIB), who have taken an active role in informing Small Businesses such as your friend's on the requirements and importance of being PCI compliant.
The PCI Data Security Standard (PCI DSS) originally began as five different programs from the five credit card schemes (Visa, MasterCard, American Express, Discover, and JCB). Each company's intentions were roughly similar: to create an additional level of protection for consumers by ensuring that merchants meet minimum levels of security when they store, process and transmit cardholder data.
The Payment Card Industry Security Standards Council (PCI SSC) was formed as a neutral body to address conflicts among the credit card schemes in developing a standard. On Dec. 15, 2004 the credit card schemes aligned their individual policies and released the Payment Card Industry Data Security Standard (PCI DSS).
North American Bancard values the business of all of our merchants and we take pride in keeping all of our merchants informed and up to date. We ensure that our company information is easily accessible for our merchants and continue to strive to be an industry leader and innovator in the credit card processing industry. It is because of that that we are taking a proactive role in ensuring all of our merchants meet the PCI compliancy requirements. All entities involved in the collection, processing, and storage of credit card information, regardless of size or affiliation must be compliant. It is an industry mandate imposed on all service providers and merchants that accept credit cards.
We notified our merchants of this mandate and the onetime $79 fee on their November 2008 statement. They were advised that the $79 fee provided them with access to the tools that can help them achieve and maintain compliance. We have also advised our merchants that the fee was not imposed on them from McAfee nor does it cover the cost of software. It is the fee assessed to all of our merchants to mitigate the costs associated with becoming and maintaining compliance, updating terminal software nationwide (including enhanced protocols for protection of cardholder data passed by the Fair and Accurate Credit Transaction Act (FACTA) mandating how card numbers and expiration dates must appear on receipts), providing applications with enhanced security, and replacing non-compliant hardware.
You posed a question in reference to the "differences in regulations" for merchants of different sizes and sales volume. There definitely are differences in what is required for each merchant type, but it is not solely based on their size or sales volume, it also takes into consideration what they use to process (software, telephone, terminal etc.). Although your friends grocery store may seem small in comparison to a big box retailer, such as Sears as you stated, both companies are at risk for security breaches if they are not in compliance. The PCI compliance mandate not only pertains to how you process credit cards, but also how you store and transmit that credit card information. For example, let's say all of your terminals and/or software are PCI compliant, but you use some sort of offline accounting system or you store all of your cardholder information on a laptop. The laptop is later stolen, relinquishing you of all that cardholder information. You have now encountered a security breach that could have been avoidable, yet you are now potentially at risk for serious fines, penalties, and/or lawsuits. Hopefully your friends would not make this careless mistake, but there are thousands of merchants big and small that have. If there was not a problem this industry wide mandate would not have occurred. There are many merchants big and small who value these services and need them to ensure their business practices are within guidelines and that they are not penalized for actions that they were unaware of. That is only one example, and there are many more that the PCI council can advise you on. Please keep in mind that we do not work for the PCI council, nor are we on their board or have membership in their organization, but we, like our merchants, must be in compliance.
North American Bancard partnered with McAfee, a leader in the security risk management industry, in late 2008 to give our merchants full access to McAfee PCI Compliance Service at no charge. There are only a few steps our merchants need to complete to determine if they are in compliance. Our retail merchants (those that do not process credit card transactions online, with software, and are not considered e-commerce) will need to go to the website www.NABPCI.com and complete the Self Assessment Questionnaire. Upon completion they will need to fax a copy of the completed Questionnaire to our Customer Service department at (248) 283-6260 for validation. Our E-Commerce merchants (those that are processing via the Internet, with software, and/or online) will also need to go the website and complete the Self Assessment Questionnaire in addition to utilizing the Scan Tool. Upon completion of the Scan Tool, the E-Commerce merchants will receive a compliance Certificate if they are in compliance. This certificate is good for 12 months and they will also need to fax it to our Customer Service Department for validation at the number stated above.
Please note that some terminals are capable of processing credit card transactions online (IP) and via dial-up. Merchants with these terminals would be required to complete the Scan Tool regardless of how they process to ensure the device itself is compliant. In regards to your concern pertaining to the "network scan", without the account number or business name we are unable to identify your friend's specific account, and therefore have no way of accurately identifying which type of equipment they have or if the information they were provided with was inaccurate.
In conclusion, all merchants, whether small or large, need to be PCI compliant. The payment brands have collectively adopted PCI DSS as the requirements for organizations that process, store or transmit payment cardholder data. The PCI Security Standards Council (PCI SSC) is responsible for managing the security standards while each individual payment brand is responsible for managing and enforcing compliance to these standards. For questions regarding compliance validation requirements and deadlines as well as compliance reporting requirements, please advise your friend to contact North American Bancard's Customer Service Department at (1800) 226-2273 extension 1300. In regards to refunding the onetime only fee of $79, we will do so if the merchant became compliant prior to our notification in November 2008. For more information regarding the PCI security standards, please refer to their website https://www.pcisecuritystandards.org/.
North American Bancard
Was this review helpful?
Read 10 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by PCITROUBLE on 2009-01-08:
What a runaround with North American Bancard and their PCI fiasco. Their story has changed several times.. it remains very shady in my opinion, decide for yourself..
-First Call, "the fee is for PCI compliance, when you pay you are compliant"
-Second Call, "We can't accept your paperwork, you don't have a scan"
-Third Call, PCI scan vendor told me they can't give my dialup terminal a scan certificate, NAB "we need a scan certificate anyway"
-Fourth call, after Mcaffee (the contracted PCI scan vendor for North American Bancard confirms in writing that all I need is to fill out the self assessment questionnaire: "OK, but your paperwork needed to be here before DEC 1st or else we need to charge you the $79"
WOW! OK, mind you the notice that we had to pay the $79 was on our November 2008 statement, which had transactions from Nov 29th on it. That's a Saturday, they couldn't of sent the letter out until at least Monday, which is DEC 1st! And now they tell me I have to pay a bogus fee that is due on the day they actually mail the letter out!
And by the way, they mentioned it was $79 per year, now they say no no its only a one time thing! Wonder if they will be back next Christmas looking for more money? And now looking at their pci site it says $99 per year? What?!?!? another fee I didn't agree to? This gets better by the minute.
What a show you are putting on North American Bancard.
I've got a mailbox full of angry customers with similar issues. Keep emailing me, maybe we can get someone to help.
And again, for all you dial-up only and less then 20,000 transactions per year merchants: most likely you don't need any 'service' all you need to do is fill out and comply with the "PCI self-assessment questionnaire". Don't take my word for it read some details from the "DSS Self-Assessment Questionnaire" on https://www.pcisecuritystandards.org/
Posted by nobofa on 2009-01-11:
merchant services companies are regulated by state and federal banking and finance dept. You can find those departments on this site: http://www.justlawlinks.com/PRACTICE/ctbanking.htm
Posted by Allstar1 on 2009-01-15:
We are being charged $79 a month by NAB for I-COMP-PGM what ever the heck that is!!!
Posted by clayjen on 2009-01-16:
The whole PCI thing is a scam - you can google PCI compliance and contract your own company to do it for $60 or less. The PCI service that NAB signed us all up for is not the only one out there and one of the most expensive. Also, if you read the website, the fee is annual and will go up to $99 next year.
Posted by man o man on 2010-06-20:
Do the math. 125,000 customers at an extra 79.99 added fee per year. When we signed on, we did not agree to any extra fees, will they just add more?
125,000x80$ = 10 million dollars! say it like Dr Evil from Austin Powers... 10 miillllion dollars
Posted by NoPCI on 2010-11-12:
PCI compliance fees are for the top line revenue of processing companies. There are no benefits to the merchant to be charged a fee. Processors with older infrastructures that need upgrades to keep up with security enhancements do so by charging PCI fees.
We do not. Nor do we charge an annual fee or termination fee. http://merchantservices.cc/nopci
Posted by BarbBlack on 2010-11-15:
Just found the $79.00 PCI compliance fee on my October statement from MerchantWarehouse. I'm a sole proprietorship. Due to the economy, I'm lucky if I receive more than one or two payments via credit card per month. After reviewing the confusingly complex PCI compliance form, I simply cancelled my merchant account and will be telling my customers that I now accept only cash, checks and PayPal, as all the fees and red tape no longer make sense for my small business.
Posted by Capers on 2012-05-04:
April 2012 NABC statement reflects a $99.00 charge for mypci.com. This has now become an annual fee. Will be searching for another merchant card provider starting tomorrow.
Posted by JacktheBear3 on 2013-04-08:
North American Bancard is a very expensive merchant proposition, I have been dealing with them for way too long and can tell you the nice letter on the internet is not how they handle things in person.
They will strong arm you with legal threats if you want to leave them.... the small print, remember.
I recommend anyone and everyone to stay away from them and there endless list of fees they like to create. 2 more months and the legal threats are gone and NAB can kiss this meal ticket goodbye!!
PS: they charge $99.00 for www.mypci.com, go to the website my antivirus software won't even let me on this webpage.... must be a pretty secure minded site LMAO
Posted by whitewave on 2013-11-20:
RUN AWAY from North American Bancard. NAB charges $79 PCI Compliance Fees, then you get to go to a PCI Compliance Company who charged me an additional $59. When you try to ask NAB about it, they send you to the PCI Compliance Company ppl, who don't seem to know anything and they tell you to talk to NAB. So around and around you go...
Close comments
Add reply
Posted by 2bugular on 12/09/2010
Check your monthly statement carefully. NorthAmerica Bancard is charging $9.95 a month for this "Mybizperks" program. I never signed up for it and I am actually upset about this. I was told today that it would all come off my next billing statement. I was put on hold a long long time before reaching a real person, I am releaved that he said it would be credited back...we'll see. I am thinking hard about getting an attorney. Sounds like a class action suit to me. Also I would think three times before signing up with these people. Can you trust them?
Was this review helpful?
Read 2 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by Dave on 2011-05-31:
Think real hard before using these people. I found out the hard way that there are a lot better companies than this one. They will put you on hold forever, not return calls and generally screw you over.
Posted by artist mule on 2011-11-12:
More fees and bad service than most.
Close comments
Add reply
AWFUL at Best
Posted by Blackball tattoo on 05/23/2007
MIDLAND, MICHIGAN -- I'm not sure how to put this in words that's not blatantly slamming the company. But here goes. Recently I processed a Discover transaction for 240 dollars. The transaction after several days was not put into my account. So I call the company to find out where it is. The transaction (after talking to discover) was put into a previous owners account. After being on the phone for near over 4 hours of having North American Bancard and Discover arguing between each other to find out whose fault it was. It was decided It was a processing error on North American Bancards side. The accounts last update and download on the terminal was setup as me as the owner and only account. The wrong information was send to Discover in which the transaction was processed. So the decided to do a reversal that would take 7-10 business days. On the 7th day instead of depositing the money into my account. They took an additional 240 dollars. I call them up and they have no clue what's going on. They call there processor Global and tell me I should hear the same day or next business day what went wrong. 3 days later and after the 10 return expiration they still don't know what's wrong. I'm told my deposit will be made no later then tomorrow. Tomorrow comes and its still not deposited and they still have no clue what's going on.
To cut it short. North American Bancard is the most incompetent company I have ever dealt with. There customer service is little to none, they have no clue what's going on and they cannot stand behind there side of the leasing terms. At least at this point they have breached there side of the contract and I am not stuck or obligated to the Heavy fines of breaking the 3 YEAR terms they make you sign.
I also would not wish this company to my worst enemy.
Read Company Response
Company Response on 6/11/2007:
Dear Jonathan Pinfield-Wells:
Your situation and concerns regarding your account have been brought to my attention.
Under normal circumstances when an Ownership Change is completed a new merchant account number is assigned. At the request of the sales agent and/or merchant an exception was made and the original account number was utilized. This exception is unusual and was done to speed the process that generally takes a minimum of 15 business days.
In reviewing the paperwork returned with the request, new American Express and Discover numbers were not supplied to North American Bancard. It was therefore our belief that an ownership change was completed with them as well and that the existing numbers were transferred to the new owner. Therefore, no changes were made in our system on these numbers.
When a Discover transaction was run under the new owner it was determined that the old Discover accounts had not been updated with them as originally believed. Therefore, the funds for those transactions were given to the old owner by Discover. As North American Bancard does not settle Discover or American Express transactions we are limited in our ability to adjust these transaction types after they have been processed and settled. Discover was unable to transfer the sales in question to the new owners account and therefore significant work was required in order to resolve this situation.
This issue was resolved completely on June 1, 2007.
Since our inception in 1992, we continue to provide unparalleled merchant account processing services for each and every customer. In dedicating ourselves to providing quality services, we continue to scan the digital horizon in able to offer state-of-the-art merchant account processing equipment, competitive rates, and superior, personalized service that will help you better serve your customers. Our responsiveness, integrity, and commitment to quality services have propelled us to the top of the merchant account processing industry.
We apologize for any misunderstanding and do not anticipate any future issues related to this.
Kimberly Tippin
Director of Customer Contacts
Was this review helpful?
Read 5 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by Blackball tattoo on 2007-06-04:
now its been settles for OVER 2 weeks. today they just took the 240 out yet again. at this point its just plain incompetancy.
Posted by Blackball tattoo on 2007-06-07:
company refunded the money t the card holders and didnt rerun it to my account. the old account in which the money was wrongfully deposited is now closed. Waiting onther 5 days to see whats happening
Posted by Blackball tattoo on 2007-06-11:
UPDATE. after talking to discover and looking over the transactions. Here is the long story cut short.
a discover transaction was ran and debited to the previous powners account due to incorrect updates made on the account. (north american bancard processed the transacton on the wrong account info?
Before the transaction was fixed they updated the account information they had.
COrrecting the transaction they used the wrong account information. Debiting from the wrong account. Messing up twice.
SO discovers kind enough to try and fix this for me. We will see how co operative North American Bancard is. At this point its been almost 2 months since the original transaction date.
Posted by Blackball tattoo on 2007-06-15:
ACTUALLY it is JUNE 15th and the money has not stil been recieved.
The first issue was when the account change was done with your company you did not update the discover number when the download was done on the machine. That was your first mistake.
The second mistake was done when a reversal was done. the wrong account information was used to process it and i still do nto have the money,.
As you can see from the companys response even they have no clue what is going on within there own company.
Posted by Witchy Susie on 2008-06-06:
My partner and I have had North America Bancard Merchant service for well over a year now, they have always been so swift, nice , and correct . I would dare to say that
we will keep them forever or as long as they stay in business. Rock on folks....
Close comments
Add reply
Deceptive sales practices supported by company
Posted by Geoffhazel on 08/06/2007
SEATTLE, WASHINGTON -- I am just now finding out how horrible these people are.
I tried to cancel my acct as I have been getting charged a $25.00 "min fee" every month that I was not told about.
And they said "Oh, you have a 36 month agreement,didn't you read that?" So they faxed it to me and sure enough on page 4 it was there. But I was never told about that. And when I went back to my original application, it was only pages 1 and 2!! It mentions pages 3,4,5, 6 but I had never received them.
And we told the sales person we run few very high tickets, like 15,000 for furniture. Fine he says. And then they gave us a 900 high ticket. And my application was changed to $900.00 high ticket after we had signed it.
So I called them and told them the application had been altered, and I had never received the other fine print pages, and wanted to cancel with no fees. I sent them our original application. I sent them the email from the sales rep with the application file in .pdf that was only two pages long. The girl said she'd look into it with her manager and get back to me.
And when she got back to me she said "I don't know if you received pages 3-6 or not,but you signed the form on page2 indicating you accepted the terms on those pages, so you are bound by them. Period. And as far as the form being altered, they said they'd go ahead and honor it as I submitted it, with a $10,000 high ticket limit. They don't know who or why it was altered, but they were prepared to "undo" the alteration, so there was no getting out of the contract.
When I probed into who John Tucker was, the sales rep, they washed their hands and said he was an independent sales rep, don't know how this could have happened, we'll look into it, but meanwhile you signed it, and you're stuck with it.
The only possible relief they offered me was they offered to price match someone else's rates. If I could find a place that offered, say a high discount rate on transactions but no monthly fees, they'd match it. So I might be able to do that and effectively cancel my agreement by letting it just run out (providing I remember to cancel exactly when I need to 3 years from now, otherwise it auto-renews!!).
I'm not happy and ready to do battle with them. They had this John Tucker working for them, altering contracts, leaving out pages, and snaring people left and right and then sticking them with high monthly minimums and 36 month contracts. If it's not actually illegal, it's certainly deceptive and dishonest and the fact that they'd go along with it indicates to me that they really have no problem with these sales tactics.
Read Company Response
Company Response on 8/13/2007:
August 13, 2007
Seattle, WA
RE: Merchant Account # 0087882900XXXXX
Dear Geoff Hazel:
In response to the above-referenced merchant complaint letter, I am providing the following information. We would like to take the opportunity to resolve this issue without further delay.
A Merchant Account Agreement Application with North American Bancard was signed on or about April 13, 2007, for a term of 36 months, upon which time all terms and conditions contained within the agreement were agreed to.
In regards to the Merchant Account Agreement Application: The Agreement provided to North American Bancard indicated a $900.00 High Ticket, $25.00 Monthly Minimum Discount Fee and 3-year term.
After being notified of your concerns related to these topics North American Bancard requested and received additional documents from you. Those documents included the original Merchant Agreement showing a varying High Ticket and email correspondence between yourself and your sales agent indicating the Terms and Conditions were not supplied. North American Bancard sincerely apologizes for this incident and has taken the appropriate action as it relates to the outside independent sales agent that you worked with.
While the $25.00 Monthly Minimum Discount Fee is listed on the original Merchant Agreement supplied by you, as a good will gesture this fee has been removed from your account and a refund has been submitted for those months when your account was assessed this fee.
At this time our Underwriting Department is unable to raise the accounts High Ticket to your requested amount without May-July 2007 Business banking statements being provided. Should these documents be provided we will review your account for a possible increase.
At this time, should you wish to terminate your agreement with North American Bancard you may do so without penalty by sending your request in writing to my attention.
Kimberly Tippin
Director of Customer Contacts
Was this review helpful?
Read 8 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by grandma005 on 2007-08-07:
The name John Tucker would of tipped me off right away.
Posted by Blackball tattoo on 2007-10-02:
I understand where you are. Honestly someone needs to start a class action lawsuit against them. They keep hitting hidden charges to alot of people. Right now i pay my % on each transaction. Im stuck with the 40/50 a month lease on the machine, plus i get charges an extra 50 or so for on top of the processing. i wish i could get out of my lease. I just hope peopel keep readign these posts. Its an evil cmopany lol.
Posted by geoffhazel on 2007-11-17:
I entered this complaint originally, and I believe as a result of the my3cents.com posting, the company responded and let me cancel with no fees, and even refunded the fees they had collected over what I had been promised. I got everything I asked for. I didn't get a warm fuzzy feeling that they were going to stop their sales practices but at least they responded to my complaints for relief.
Posted by jktshff1 on 2007-11-17:
Thank you for coming back and letting us know
Posted by Anonymous on 2007-11-17:
geoffhazel, that's great news and I glad it worked out for you.
Posted by clayjen on 2009-01-16:
How the heck do the rest of us get refunds? I just got a form letter and I had the exact same complaint, many of us did. I posted here and on the bbb site. So far they are ingnoring me by sending form letters that don't even address my complaint. They are liars - they know perfectly well the sales reps are not discosing that fee, otherwise why would so many of them be doing it? Sales reps that loose customers would soon be out of jobs, I find it suspicious that over 40 people from all over the country had the same lie told to them.
Posted by geoffhazel on 2009-02-05:
We found that first off, you need to cancel the bank account that they have on file. Our bank was very understanding at getting this done when we told them a firm was making unauthorized withdrawls.
Second, write them a letter and tell them you dispute their charges, you want a full refund, you believe they are tolerating liars for marketers, and you want them to adhere to the terms of their original deal. You want out and you want out now, with no penalties. Once they refund your money, you'll be glad to return their equipment.
The key is closing your account. Once they can't get any more money out of you, they'll be inclined to listen to you.
Posted by clayjen on 2009-03-02:
I finally got a refund by going through the BBB that they are a member of. I had to refuse their "offer" which was just a form letter saying I agreed to the fees, after which they cancelled my contract and refunded the PCI fees but not the other fees. At least I'm out of the 3 year contract at $30 a month!
Close comments
Add reply
Internet SCAMS Reach a New Depth: North American Bancard
Posted by JC Birmingham on 07/19/2007
BIRMINGHAM, MICHIGAN -- To list the misrepresentations made by North American BANCARD et al, would take too much of your time to read and I suspect most of you who read this have experienced, or will experience the same costly problems with NAB as we have.
If NAB has your bank account information, I would consider CLOSING YOUR ACCOUNT and opening a new account as they may use your account number for a "free-for-all" (for them) at some later date as they did with our company.
We thought we were finished with these ill advised and morally challenged individuals known as NAB collectively, over a year ago- we were just happy to be done with them and their corrupt practices- we even considered swallowing the loss associated with NAB as no one has that many hours to make the same calls over and over and hear a different lie each time. Surprise! Over a year later, we discovered that they "out of the blue" debited our commercial account for nearly $1,800.00- guess "they", including Ms. Kim Tippin (an individual of many different titles depending on who she is speaking with or writing to at a given moment), thought we wouldn't notice the theft of our funds.
In retrospect, rather than paying the ill-placed funds to NAB at the onset, I wish we would have just went on the Internet and played Internet poker. At least once the money was lost, we would have been done.
I am going to write them a seven day demand letter today. Past experience dictates they will not properly respond- We will file a law suit against North American Bancard as well as it's "principals and employees" individually as co-defendants.
Although I have searched the Net for "praises" or even satisfied customers / victims of North American Bancard, I have not been able to find one. If there is a satisfied customer out there, I would appreciate hearing from you as well.
Read Company Response
Company Response on 8/14/2007:
At North American Bancard we pride ourselves on providing quality service to our Merchants. Our contract specifies a three-year term and breaks down all fees associated with the contract and how they are applied. This includes, but is not limited to, the Discount rate paid, Monthly Minimum and Statement charges as well as early termination fees.
Based on the information contained in this post we were unable to determine the Merchant Account in question in order to specifically address this case. However, it is our belief that it may relate to a collections effort on delinquent accounts that have violated parts, if not all of the Merchant Agreement. If the account in question was incorrectly debited we would need specific information in order to properly address the concerns or correct any errors. If an error was made we sincerely apologize for any oversight and any inconvenience you may have suffered.
Please contact our Merchant Awareness department at 1-866-476-0797 so that your specific situation may be properly research and addressed. Please have your Merchant Account number ready.
Since our inception in 1992, we continue to provide unparalleled merchant account processing services for each and every customer. In dedicating ourselves to providing quality services, we continue to scan the digital horizon in order to offer state-of-the-art merchant account processing equipment, competitive rates, and superior, personalized service. Our responsiveness, integrity, and commitment to quality services have propelled us to the top of the merchant account processing industry.
Thank you,
Director of Risk Management
Was this review helpful?
Read 2 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by Sail27 on 2007-07-19:
If they debited your account for $1,800.00 - and if it is within 60 days of this happening - you have the right to dispute the transaction with your financial institution.
Best of luck
Posted by Amber @ FAME on 2011-03-31:
I just got hit by them too! THIS COMPANY NEEDS TO CLOSE! Representives are condisending and rude, they just keep taking money out of my account... everytime I think I'm done with their cancellation fee's a new and improved amount comes out of my account! WILL THIS EVER END OR AM I DESTINED TO PAY THIS COMPANY WHATEVER THEY SEE FIT FOR EVER??? Keep me posted on class action law suits! Amber - email@example.com
Close comments
Add reply
My Biz Perks Scam
Posted by Beezer22 on 02/18/2011
ANACORTES, WASHINGTON -- I just happened to look closely at my last North American Bancard statement and discovered that I was being billed 9.95 for My Bizperks program. I then looked through my past statements and found that I had been being billed since 8/31/2010 totaling 59.70. I spoke to a representative who said that I would have been advised that I had 60 days to cancel prior to the billing starting. I found a paragraph on the 5/31/2010 statement that "announces" the My Biz Perks and advises going to www.MYBIZPERKS.com to start enjoying the benefits! I strongly made my point that I had not solicited nor agreed to this program. She put me on hold to consult a supervisor and came back with a courtesy offer of 29.85 refund. I told her that they were fraudulent stealing from me and she asked if I was refusing the refund. Of course I said no I would take the partial theft refund and see who I could report them to and find another credit card processing company.
Read Company Response
Company Response on 2/23/2011:
February 23, 2011
Dear Merchant,
NAB works very diligently to resolve all customer issues and complaints. Since our inception in 1992, we have worked with over 125,000 merchants of all sizes and levels of complexity. We provide a high level of service and support to our customers, as is evidenced by the low number of complaints we handle. Occasionally we, like any other large company, may make a mistake or mishandle an issue. When these are brought to our attention we resolve them to the best of our ability. Our 250+ employees work hard every day to make doing business with NAB a pleasure for our merchants and stakeholders, all we ask is the opportunity to recover well.
First and foremost I would like to apologize for any unsatisfactory service that you have received in conjunction with your Merchant Account No. 8788290048*** .
Our records indicate that on February 17, 2011, you contacted us in regards to My Biz Perks program and you were advised that all of our merchants were advised via their merchant statement that there was a 60 day free trial period and that if not opted out, you would be automatically enrolled. On this call, you were opted out of the My Biz Perks program. As a courtesy, a three month credit in the amount of $29.85 was submitted to be reflected on your next month's statement.
Please contact me directly at 248-283-6059 so that we can speak in more detail, and to ensure all your concerns are properly researched and addressed.
Was this review helpful?
Read 9 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by Skye on 2011-02-18:
I guess you do not read your monthly bank statemtents. That's something you should do immediately, to avoid situations like this. This is a good reminder to for those who also do not read their bank statements. You should always know where your money is going.
How were you signed up for this biz perks thing?
Posted by trmn8r on 2011-02-18:
I believe there is a 2 month period in which you are liable for charges that you were made aware of (through the statements). They gave you a 3-month refund, which I think is generous. This shows why it is important to at least glance at your monthly statements.
Posted by beezer22 on 2011-03-04:
I agree that it is my responsibility to read my bank statement. They charged me for 6 months before I noticed it. I never authorized it in the first place and in looking back at old statements was never advised that it would simply be "sold" to me unawares. I am changing to a different provider.
Posted by RedDog on 2011-11-08:
The exact same thing happened to me. The person that does my books sees the statement, I rarely do. I recently started doing my books and noticed this charge. It is a scam, slip in some bogus charges and if you dont notice them you bought it. I called NAB to ask about it and told them that this charge was not approved by me at any time, I also insisted that they refund ALL of the charges and they offered the 3 months if I would "work with them". I am changing over to Square Up and I hope that every Small Business does the same, driving NAB out of business. I smell Class Action Lawsuit...
Posted by Lynn on 2012-03-06:
I too was scammed by this company. I have been paying for a mybizperks membership since last Sept. (something I was not even aware of) and now when I try to log in or activate it, it has not record of my merchant number or email. So I have paid for this for 5 months for what?? NABC, of which mybizperks is a part is a horrible company. If you are a merchant stay far away. They are crooks, you don't even get paid for the charges you accept. I will go along with a lawsuit. They only have a 1 rating with the BBB and they don't care.
Posted by Maria Bro on 2012-09-25:
I just went through this - I had a little trouble with Square (withholding money) so I decided to try another merchant account.
I signed up with NABC and a couple weeks later, read the email they sent me. Buried deep in it was mention that they enrolled me in My Biz Perks, something I know nothing about, and that I would be CHARGED for it monthly.
I am so angry, that I'm closing my account and going to find another merchant account.
Posted by zack on 2012-10-04:
This company is a crook " NABC" try to stay a way from this merchant service they send you application
you sign but they charge you other way.don't blieve
even their application and sales raps. Because you
CAN'T reach the same person a gain to proof, what you signed. the first 3, 4 months they are good with you, then they start adding fees on your account even themselves can,t explain, what those charges are. every month another charge. and I'm clothing my account with them. they are BIG "B.S"
Posted by Heather on 2013-09-08:
SAME THING happened to me!!!!!!
I will admit I was foolish to not pay attention to my money being taken out of my statements aswell, but I remember when I called them two years ago concerned because I wan no longer receiving paper statements, the lady on the phone walked me through the steps of creating a user name so I could log online and view my statements for absolutely FFREE!!! She said that! My other option was to pay for statements to come in the mail, and I'm lazy and cheep, so I confirmed more than once that it was free because I didn't want to go through the painful ten minutes of logging online and creating another account and username I have to remember lol anyway, I've been being charged 9.99 a month for mybizperksgold for two years now. Again my own fault for not realizing it in my statements so I didn't demand any sort of reading because I didn't want to continue being a customer. When the rep heard me say that he said "I don't think you realize how great being a my biz perk gold member is, if your machine breaks, we replace it for absolutely no charge" the machine isn't even my machine, Its the owner of the salons machine, we just use a terminal on it!! I've been paying insurance for a machine that if it breaks down wouldn't be my responsibility to even replace!! The guy said nothing. Then after I asked him about the other miscellaneous fee's they stumble over words to excuse their fraud. In July I got a "mypci.com fee" $25.00 I got a fee for them deciding to throw a website on my fee line and charged me for it! They are SCAM SCAM SCAM SCAM SCAM ARTISTS!!!!!! The guy said he would refund me for 60days if I continued to be a customer I said you've been stealing my money for two years you've had enough, I'm closing my account, going with square, you will never see another dime of my money and the guy said well I can send you a cancellation fo rm to sign and fax back but it takes up to 30 days to process. I said okay. knowing that he just basically gave them an excuse to try and charge my account again within thirty days, I cut them off at the source... the bank. I closed my account so they could have no access to my money and I would suggest anyone else to do the same thing, because my friend who went through the same thing as I didn't close her bank account and they charged her again so she disputed it and got a refund, but they will take and take and take your money until you cut them off.
Posted by Heather on 2013-09-08:
Also I would LOVE to know about any class action lawsuit that goes against them in the future! Because they deserve it!!!!
Close comments
Add reply
Proceed At Your Own Risk
Posted by Bostitch on 04/03/2009
I signed up with NAB for a credit card terminal for my small business a couple of years ago. With the assistance of their "agent" I tried for over 4 months to install the terminal in my office and get it to work with my phone system, but for whatever reason, it did not work. I requested a 2nd unit, which NAB promptly delivered. After many more attempts, interfacing with their tech support department and my agent, still no connection. During this time, I could not make any charges with the terminal but I was still paying the minimum monthly fees.
Still wanting to make it work, I continued to bother my agent to help me with the installation or to do something with NAB to get them to either send me a working machine or to find some solution so that I could make credit card transactions. Shortly after that point (not necessarily NAB's fault), my agent stopped returning my calls and emails and stopped dealing with me, probably because he was also utterly frustrated.
What followed was several calls to NAB during which I explained the situation, asked if they would stop debiting my account until I could get the terminal situation worked out and asked for help on what to do. Each time they told me that they could not stop the debiting and said that only my agent could stop the charges. Of course, he was gone and out of the picture. By this point, including the start up costs, I was $500 in the hole, and not able to even make a single credit card charge.
Out of complete and utter frustration with the situation, I notified NAB in writing that I wanted to terminate the contract with them because I was getting nothing from them and despite all of my attempts to work with them and their agent, the machine simply did not work in my office. I even followed up my letter with a phone call and spoke to someone to make sure that they received the letter and was advised they had received it, that my contract would be canceled and that the monthly debits would stop.
PROBLEM SOLVED? Not quite.
Begin CHAPTER 2 Of my odyssey with NAB.
A month later, I received a letter from NAB informing me that because I canceled my contract, they were calling me in breach and they were going to charge me for all of the payments they were due on the balance of the contract (3 years) and that they would schedule an auto debit from my account of a little over $1,000 to cover the costs. I checked my online bank account and noticed that they did in fact take out the $1000. This auto debiting thing is something that I had never had much experience with and did not realize how lethal it can be and how powerless you are to challenge it. But NAB makes you agree to this in order to get their services.
Needless to say I was furious.
To make matters worse, the letter was sent out 3 weeks after it was dated. This conveniently allowed NAB to grab the money from my account before notifying me that they were going to do it - just in case I decided to close the account or otherwise outmaneuver them. And it worked because my bank told me that they couldn't even help me and that it was between me and NAB and I had to get NAB to stop the auto debiting....or close my account, but even this would not guarantee anything because the bank was obligated to honor the auto debit (since I agreed) and that I may still have to pay even if the account is closed.
Of course, I was furious over this whole thing. I got on the phone immediately and started the process of trying to get to the bottom of why they took my money. I was told that it was because I breached the contract and that the fine print legally entitles them to do that. I explained my situation: that I had no working terminal for 5 months, made so many calls I lost track, that nobody from NAB gave me any help or offered any solutions to get my machine up and running, and that their agent bailed on me. In short I was told that all of this was my problem and that their contract assumes that I would have a working phone line? Huh? I was talking to the NAB agent from the same business phone.
Yes, I did terminate the contract, but it was justifiable and with good reason. IN all of my discussions with NAB reps before I terminated, not one person ever hinted at what a disaster it would be for me to terminate or gave me a clue that they were going to make a run on my bank account to grab everything they thought they were due. No alternate arrangements were suggested, no attempts were made to help me or to work out the situation to get my continued business.
Even when I tried to go back and reinstate the agreement and try to work something out that would allow me to get my money back and just ride out the balance of the contract and see if I could try to get the terminal working or just ride out the contract and pay as I go and see what happens, but NAB told me that they could not reinstate or return my money and that all I could do was to SIGN ANOTHER CONTRACT? I wondered if I was talking to another human being??
At that point, I was also told that I had to send back the terminal or else I would owe another $850. This was confirmed in writing. After accepting my plight and resigning myself to the fact that I was screwed, I just decided to give in and take the whole thing as a lesson and I made immediate arrangements to send back the machine (which I did by certified mail and with USPS insurance). I later called to make sure that they received the machine and that everything was ok and concluded on their end. I was told they had received it and that everything was fine and that my account was paid.
END OF STORY? Not quite.
Realizing that my bank account was not safe from NAB, I closed my account and opened up another one. Sure enough, several months later, I received a notice from my bank informing me that they refused a automatic withdrawal from my account for a $79 "compliance fee." I called NAB and told them that I was not going to pay the fee and that I no longer had an open account with them. I was surprised to hear the agent tell me that it was an error of some kind and that they would not debit my account.
Several months later, I received another notice from my bank, this time informing me that NAB was trying to withdraw $850 from my closed account. Again, I called NAB and asked them what was going on...etc. I was told that the $850 was to cover the cost of the terminal. I explained that I returned the terminal as requested and had proof of delivery and that I did not owe them any money. Again, the agent told me that it appeared that they had received the terminal and that everything was OK.
PROBLEM SOLVED? Not yet.
Months later, I started to receive letters, followed by phone calls from a collection agency, claiming that I owed NAB $850. I explained that my account with NAB was closed, that I did not owe and money and that there must be some kind of mistake. By this point it was becoming a sick joke and I felt like I had entered the Twilight Zone. After several months and several collection agents, my account apparently moved up to the head honcho who deals with the "refusal to pay" types, such as myself. This guy was able to explain to me that I owed $850 for the terminal. I explained to him that I sent it back to NAB and I even faxed him proof.
Several days later he called me back and acknowledged that NAB received the terminal, but that I still owed NAB $850 because all of the fine print in their contract says that it was being given to me for free, etc. etc. but that if I breached the contract I would have to buy it. I explained that he was completely wrong, that NAB demanded the terminal back in writing (or else they were going to hit my account again) and that I sent it back. "Too bad" he said, the terminal is not useful to them anymore because it was specifically coded for your office so you still owe the money. "Then send it back to me and I will pay for it and sell it on EBAY," I said. No can do, he told me. The terminal was probably already reconditioned and given to someone else. What? I thought it was coded for me? Was he making this stuff up as he went along?
I called NAB to talk about this and try and figure out if any of this was true, hoping somehow that they had made some internal error (again). The agent told me that my account was forwarded to a collection agency and that I had to deal with them and there was nothing else they could do for me.
Then I called back the collection agent and I dug in my heels and told him that he was wasting his time because I was not going to pay. Then he proceeded to try to negotiate with me and told me that he could settle it out for $295. I told him that I thought this was extortion and there was no way I was paying them anything.
He proceeded to tell me that it was my right to refuse but that I needed to understand that:
1. They would start by reporting me to all of the credit agencies and this would effect my credit score, of course.
2. NAB would file a lawsuit against me in Fulton County Georgia (which is in the contract) and I would have to travel there to deal with it.
3. That the Court in Fulton County "triple books" the docket and that there was a good chance that my case would not even be heard on the day of the hearing and that I would have have to come back for another hearing.
4. That if I wanted to challenge NAB I would have to go and personally appear in court in Fulton County, pay my own airfare and lodging, of course.
5. That I could hire a lawyer, but that would probably cost more than what they were willing to settle for, so it did not make sense to fight this on principle because I could save money by just settling.
6. That if I did not show up in court or have a lawyer appear, they would seek a default judgment against me, with all collection costs and attorneys fees, which would be a lot more than they were willing to settle for.
AND IN SHORT, that he understood that I was probably getting screwed but that it did not matter because the only thing that really made financial sense was to settle with them and not waste any more time and money on the case.
It seemed obvious to me that this collection agent had gone over this whole thing many many times with other "debtors" and he had it down to an art.
AND ALL THE WHILE, he practically laughed and smirked his way through the whole conversation, like it was some kind of joke to him.
IN THE END, I decided that it only made economic sense for me to settle the case, and so I made a counter-offer and settled for about 1/2 of the $295 he was demanding just to get them off my back and out of my life.
I STILL CANT BELIEVE THAT ALL OF THIS HAPPENED TO ME AND THAT I WAS BROUGHT TO MY KNEES AND HAD TO PAY THIS COLLECTION COMPANY MONEY THAT I DID NOT OWE. Sure, I could have challenged them, but at what cost and after how many more hours and time out of my life?
The moral of the story is that you should PROCEED AT YOUR OWN RISK with this company. Things may work out well for you if you don't step out of line and you are able to continue to fund NAB's money machine. Otherwise, if you need help or customer service, or find yourself in any kind of a situation that does not fit their expectations under the contract, you may be in for the ride of your life. The one thing that definitely saved me money was CLOSING MY BANK ACCOUNT. If I had not done that, NAB would have grabbed the full $850.
Maybe I am wasting more of my time by writing this review. Maybe I am wrong and NAB was right. We will never know. I am sure that their customer service representative will post some type of a follow up to this explaining how I was wrong. Personally, I don't think I was. Would have been nice to have some "human" intervention in this whole thing and someone who really cared and tried to understand my situation and help me so that I could get things set up and do business with my customers and with NAB. Maybe that takes too much time.
So you be the judge. JUST PROCEED AT YOUR OWN RISK.
Read Company Response
Company Response on 4/7/2009:
April 6, 2009
Dear Merchant,
North American Bancard works very diligently to resolve all customer issues and complaints. Since our inception in 1992, we have worked with over 125,000 merchants of all sizes and levels of complexity. We provide a high level of service and support to our customers, as is evidenced by the low number of complaints we handle. Occasionally we, like any other large company, may make a mistake or mishandle an issue. When these are brought to our attention we resolve them to the best of our ability. Our 250+ employees work hard every day to make doing business with NAB a pleasure for our merchants and stakeholders, all we ask is the opportunity to recover well.
First and foremost, NAB would like to apologize for what sounds like an unusual and extreme unsatisfactory experience that has occurred.
Unfortunately enough information was not provided for us to accurately determine your specific Merchant Account. If your account was incorrectly debited, or you believe your fees have been inadequately advised, then we would need specific Merchant Account information in order to properly address the concerns or correct any errors.
Should you have any questions regarding this response, please have your Merchant number ready and contact me directly at 800-226-2273 Ext.1050, so that your specific situation may be properly researched and addressed.
Kimberly Tippin
Director of Consumer Contacts
Was this review helpful?
Read 3 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by Soaring Consumer on 2009-04-03:
Contact your state's Office of the Attorney General.
They don't deserve any money especially since they never provided service and that they forced you to pay for nothing and illegitimate debts on top of that. I am outraged about this.
You were in the right, and they were in the wrong, and it has been that way the whole time. The Office of the Attorney General will do its best to help you.
Voted helpful.
Posted by Slimjim on 2009-04-03:
You should actually contact the AG office of the state they are headquartered in as well. The jurisdiction is much stringer and it may be one of many complaints funneled there, prompting hopefully some government action. BTW, your bank wasn't much help.
Posted by Sandi on 2011-11-09:
I filed a complaint with the bbb,the ftc, both state attorney generals. The bbb contacted me wanting 20 pages or less since I sent almost 200.
The ftc needs to hear from you. Maybe with enough complaints they will start an investigation!
Close comments
Add reply
Credit Card Processor Ripoff
Posted by Turps on 04/08/2008
BASSETT, NEBRASKA -- I was contacted by a representative of North American Bancard to review my current situation with my processor. After reviewing my current statements, I was told that they could reduce my overall costs and that all I had to do was complete a new merchant application with them and have them reconfigure my existing terminal. The representative "Priscillia" promised me the moon and, as I find out later, did not have the authority to make the promises that she made.
I read the agreement, signed it and then faxed it back to the number provided. That's where this nightmare begins (December 13, 2007).
To this date (April 8, 2008)North American Bancard has been unwilling or unable to reconfigure my existing terminal. I called numerous times attempting to get my sales representative....the one time that I did get her on the phone she was rude and could not help me at all....said that she'd have someone contact me.
When I call in, no one can answer simple question and no member of management exists (evidently). At first I just wanted to get everything up and running, but then (after being talked to like a dog and getting the run around) I decided that I just wanted to cancel my services.......lo and behold they said that it would costs me $1, 260 to cancel!!! Yes, you read that right.......
They were supposed to be saving me money, but they can't even run a simple transaction for me.....they haven't reconfigured my machine but they charge me $30.00 each month.....$25.00 of that is a monthly minimum processing fee....how many transactions do you think I can run if they don't even have my terminal online???.
I have tried to get this resolved and am ready to take this a step further. They have nothing but my faxed signature and my banking information.
Do not walk away from this company......RUN
Read Company Response
Company Response on 5/6/2008:
May 6, 2008
Dear Merchant,
North American Bancard works very diligently to resolve all customer issues and complaints. Since our inception in 1992, we have worked with over 125,000 merchants of all sizes and levels of complexity. We provide a high level of service and support to our customers, as is evidenced by the low number of complaints we handle. Occasionally we, like any other large company, may make a mistake or mishandle an issue. When these are brought to our attention we resolve them to the best of our ability. Our 250+ employees work hard every day to make doing business with NAB a pleasure for our merchants and stakeholders, all we ask is the opportunity to recover well.
Unfortunately enough information was not provided for us to accurately determine your specific Merchant Account. If you're having Technical issue, or need help updating your terminal, please contact our Technical Support Department at 800-226-2273 extension 1200.
NAB would like to apologize for any unsatisfactory service related issues you have experienced and would like to take the opportunity to discuss this matter further. Please have your Merchant Account number ready, and contact our Customer Service Department at 800-226-2273 extension 1300, or fax my office directly at 248.283.6204, so that your specific situation may be properly researched and addressed.
Kimberly Tippin
Director of Customer Contacts
Was this review helpful?
Read 1 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by TeePop2002 on 2008-06-17:
I am so sorry this happened to you, I see and hear so many stories like yours. I am a credit card processor and this business is very dirty. There is a cost to running credit cards true enough… but and this is a big BUTT look for a company and SALES AGENT "ISO" that has a proven track record, for instance the sales agent that sold you ask for references from accounts THEY sold not just what's on record for the company that will process you because these sales agents can do there own thing and by that I mean they can lie and mislead, it isn't policed enough!! I would offer you this solution, look for a local representative in your area with a good track record, also check the law for your state and see if there has been a law passed yet in your state that protects the merchant from outrageous closure fees, (Arkansas was changed in 07 to a $50.00 cap to cancel your account) and by reading your letter I see you haven't processed as of yet then I do believe that nullifies any contract of any sort. By default they did not fullfill their end of the agreement. Get an attorney, or change your bank account, and by every means possible file complaints with every state agency. SHUT THIS ISO/Sales Agent DOWN…….Call your Attorney General for your state, they will point you in the right direction......I find these types of ISO agents repulsive. Again I offer my apologies.
Little Rock AR
Close comments
Add reply
They Were Scamming Me From the Momentent They First Called.
Posted by Lrolensbrothers on 03/14/2014
TROY, MICHIGAN -- This is a warning to small business owners. DO NOT do business with North American Bankcard. or any of their shelter businesses which include among some names Lease Finance Group Global Payment Future Payment T Future Pay Tech and Bankcard 8600. They are scam artists. They told me they can save me a lot of money if I processed through them. They can do it for 1% no extra fees they told me that you are not locked into a long term contract and if you cancel it will only cost you a minimum fee I was told $99.00. There Rep came to my store and told me one lie after another. I was promised that there was no fee for the credit card machine I would be paying 1% on all of my transactions credit and debit alike + 19 cents per transaction. That added up to less then I was paying sounded good to me. I was promised that there were no hidden fees and rates would not go up as long as I was processing through them. I was very busy that day and had to take care of customers and answer the phones, but I mad time for Randal their Rep He explained that the paperwork I was filling out was just saying I had the use of their machine free of charge and that if I had any problems with it they would send another free of charge up to 2 times. He put zeros in all of the spots on the contract and had me sign and initial then faxed the paperwork off. When I answered the phone at the store, the representative walked out the door with the contract and drove off. Then stopped answering my phone calls. the processing company denied any responsibility for his actions I asked over and over for a copy of the contract told them that I did not want to do business with them and wanted to cancel services. They were not depositing the correct amount of money in my account and the amount they were taking out was much more than I had been paying my original processor. Then another company Lease Finance Group withdrew $124.00. I called North American Bankcard and they said that it not them who I . I had been told by the representative that they didn't charge for the machines use. The paperwork I signed had a 0 in that space. I asked again for a copy of the contract they said I would have to call Lease Finance I called Lease Finance and they said that I sign a non-cancelable contract for 6 years. I told them I did not agree to that. I demanded a copy of the contract and fought with them and North American Bankcard for about 2 weeks finally Lease Finance faxed me 3 pages of their 9 page contract. It said I had 2 weeks from the day I received the machine to cancel in writing but the two weeks were up. They basically told me that it was my fault for getting duped and that I deserved it because I was stupid. I never received the 26 page contract from North American Bank Card. North American Bankcard gave me the run around transferring me from one person to the next, each person contradicted what the last said. They kept telling me that they weren't responsible for what their Rep did. Finally I spoke to a "supervisor" who said that he felt bad about what the representative had done and that they don't condone what he did so he was fired. I told him that I did not trust them and did not want to do business with them. I wanted out of the contract I was tricked into. He told me there was nothing they could do about it. The contract was between Lease Finance and my business. I called lease finance company and told them that I was tricked and I finally filed a complaint with the Better Business Bureau against both companies. In the complaint I said I DO NOT WANT TO DO BUSINESS WITH THIS COMPANY I said to resolve it I want North American Bankcard to pay the $8928.00 cancellation fee that Lease Finance wanted to charge me for the machine that was worth about $200. I got nowhere with either complaint. Lease finance said that it was not their fault that I was Stupid enough to sign the agreement and basically said I deserved to be ripped off but if I could trick someone into taking over my lease I could still get out of it. They are now charging me $133.00 a month for a machine that I do not use. Fast forward to now North American Bankcard drained my bank account making withdrawals under 4 different names in the amounts of $272.90, $46.45 $78.45 $133.61 $152.45 $895.00 $897.00 causing $90 in over drafts in January. It caused my account to be over drawn by $1610.00 and to bounce a check at Lowe's for $174 so there's a fee for that from Lows. out of the $2565.86 that they took. $1792.00 of those were returned for insufficient funds. But hey got $683.89 + the 90 off overdraft fees. so I am was out 773.89. I ended up loosing almost $800.00 in January. Then in February pulled it again causing over $400.00 in losses. and in March almost $500.00 in losses. There are thousands of complaints on different site on the web about this company yet they are still in business. North American Bankcard is sponsored by HSBC Bank USA, National Association, Buffalo, NY and Wells Fargo Bank, N.A., Walnut Creek, CA as its Acquiring Banks.
Was this review helpful?
Read 3 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by Slimjim on 2014-03-14:
I don't know how this outfit hasn't been sued out of business. They are B2B, and this site is littered with horror stories of their antics dating back years. I would think catering to businesses who all have representation and usually better capital than consumers, would have gotten these guys buried years ago. Talk to your attorney.
Posted by Soaring Consumer on 2014-03-15:
Contact your state's office of the attorney general as I believe a federal investigation is warranted for these business practices.
Posted by Christine on 2014-03-15:
I checked on line w Better Business bureau. I can't find anywhere it saying this company is accredited. they aren't but claim that they are and that they have an A rating, they don't they have an F and they don't show the address in Troy MI they show it to be in CaliforniaNorth American Bank Card
(800) 240-9815
P.O. Box 7010, La Verne, CA 91750
BBB® Non-Accredited F Rating
On a scale of A to F
Reason for Rating
BBB Ratings System Overview
I even checked the Troy MI BBB and they don't have any info on this company being in Troy
Close comments
Add reply
Next Page >
Top of Page
Next Page >
Consumer Resources
Company Responses
Site Rules
Terms & Conditions
Privacy Policy
Contact Us


text:
Polished Stone Acrylic Frames
Create a unique and colorful frame to show off a special photo or sentiment.
Designed by Roxi Phillips
Material List
- Krylon® Leafing Pens: 18 KT. Gold or Silver
- Adirondack® Alcohol Inks: (your choice of colors)
- Adirondack® Alcohol Blending Solution
- Adirondack® Alcohol Ink Applicator
- Acrylic Frame Box
- Packing Tape or Transparent Adhesive Backed Laminate
- Craft Scissors: Non-Stick Finish
- Cotton Swabs
- Printed Quotes, Photograph or Stamped Image
- Sharpie® Marker: Black
Project Instructions
Step: 1
Remove all packaging and cardboard insert from acrylic frame.
Step: 2
Determine desired positioning for image and adhere to cardboard insert; place back into frame.
Step: 3
Using non-stick craft scissors, cut and adhere piece of packaging tape or laminate to mask area of frame to leave opening for image.
Step: 4
Apply alcohol ink in chosen color to applicator felt; dab onto face and sides of frame. Add additional ink colors to achieve desired effect. Note: use blending solution to dilute and lighten tones.
Step: 5
For a polished stone effect, press Krylon® Leafing Pen onto frame over alcohol ink allowing liquid leafing to puddle, or draw "veining" through ink colors. Blend inks and leafing using the applicator to reach desired effect; allow to dry.
Step: 6
Remove masking from frame box. Further embellish frame by edging with Krylon® Leafing Pen, draw designs, swirls, etc. on top of inked frame.
Step: 7
Clean any ink or leafing that may have seeped under edges of masking with a cotton swab and Adirondack® Alcohol Blending Solution.
Step: 8
When completely dry, further embellish or accent design using Sharpie® markers, if desired.
Use photo as a guide and follow manufacturer's instructions for all products used.


text: John Vogel Archives Email Author Did You Feel That?! Nor' east Thinkin' About shaky ground and shriveled crop yields Published on: August 24, 2011 Tweet Post to Your Wall. Email Blog RSS Permalink Print Last night, I returned home after a two-day run down into Delaware and Eastern Shore Maryland. It was memorable for three reasons. First, I visited with a lot of very good people – all in agriculture. Didn't meet a sole I didn't like and didn't have something in common with. And when you talk with people outside of agriculture, you get an idea of how unusual it is. Second, as I pulled up next to the farm shop at Chesapeake Farms about 1 p.m., near Chestertown, Md., my SUV was rocking as if some strong-armed rascal had a grip on the back tire well and bumper. "No, that's unlikely," I thought. "A stout breeze?" No, the trees were still. "Oh, Oh. A broken motor mount?" came to mind. So I shut off the engine. "Nope. It's still rocking." Being within 100 miles of the epicenter of Tuesday's East Coast 5.9 earthquake gave us one more thing we all had in common. Much bigger things still to shake I can't recall ever seeing so much "poor crops" as I've seen this summer traveling the Northeast. As always, there are "garden spots". But the livestock and poultry industry in this region will have one of the toughest times it has ever had coming up with grain crops to meet feed demands. Except for irrigated fields and sorghum stands, much of the corn on the DelMarva was decimated by heat during pollination and lack of rainfall. Even the soybeans, which can wait a bit for rain, were hammered by heat. Blossoms aborted, and pods-to-be shriveled. And this when grain prices are near record levels! Several astute grain marketers I talked with have 100% of their 2011 corn and soybeans sold. Several have a good share of 2012 crops sold ahead. One bought 2012 crops with "calls". All of them – thankfully – had crop insurance on this year's "bust". As reported in September's American Agriculturist issue, 2012 crop insurance will be a lot more expensive. But at these grain prices, you're not covering crop loss; you're really covering risk of major income loss. Click on "Add a Comment" to share your thoughts. You don't need to be registered. Thanks for your time and insight.


text:
Basic Information
Class Entering Aug. 2013
Tuition, Fees, and Expenses
Grants and Scholarships
Financial Aid
Bar Passage Rates
Physical Facilities
Refund Policy
Employment Statistics
JSL Student Body Profile
Faculty and Administration Profile
ABA Standard 509 Report (Updated 12/13)
Curriculum Information
Providing feedback, suggestions or complaints
NOTE: Most consumer information contained on this page is based upon information reported to the American Bar Assocation during the Annual Questionnaire reporting process.
Type of School: Private Term: Semester
Application Deadline: 06/15/2014
Financial Aid Deadline: 07/01/2014
2011-2012 Student to Faculty Ratio: 17.72 to 1
Can first year law students start in the Spring or Summer? No
The School of Law provides a comprehensive scholarship program. Merit scholarships are available based on an applicant's cumulative undergraduate GPA, highest eligable LSAT score, and a thorough evaluation of the admissions application. Each admitted applicant is automatically considered for scholarship awards and re-evaluated throughout the admissions process. Scholarships are limited in number so applicants should apply early in the admissions year. For more information, please contact the Admissions Office at (800) 879-9816 ext. 7210.
Federal Student Stafford Loans are available to law students. Students can borrow a maximum of $20,500.00 in Federal Stafford loans per academic year. Graduate PLUS loans are also available which can provide financing up to the cost of attendance. For more information on student loans, please contact the Financial Aid Office at (800) 879-9816 ext. 7197 or contact the Office of Admissions to schedule a time to discuss financing your legal education.
Summer 2010
(July Exam)
Winter 2011
Summer 2011
(July Exam)
Winter 2012
Summer 2012
(July Exam)
The School of Law is housed in a beautiful neo-federal-style building on the campus of Faulkner University. In 2011, the School of Law completed the construction of the Allen Law Center, adding over 17,000 square feet of classroom, clinic, courtroom and student space. The facility provides accommodations for the George H. Jones, Jr. Law Library, the Institute for Dispute Resolution, and state-of-the-art research and lecture facilities. All classrooms are designed for laptop computer usage and wireless Internet is available. The facility also includes the Judge Walter B. Jones Moot Court Room. Student amenities include a student lounge, a coffee shop, and conference rooms for student organizational meetings.
2012 Employment Outcomes for Thomas Goode Jones School of Law - this link takes you to the American Bar Association's Section of Legal Education Employment Summary Report for Thomas Goode Jones School of Law for 2012.
2011 Employment Outcomes for Thomas Goode Jones School of Law - this link takes you to the American Bar Association's Section of Legal Education Employment Summary Report for Thomas Goode Jones School of Law for 2011.
Employment 2010
2010 Employment Outcomes for Thomas Goode Jones School of Law - this link takes you to the American Bar Association's Section of Legal Education Employment Summary Report for Thomas Goode Jones School of Law for 2010.
Faculty & Administrators
There are 27 full-time faculty members. Library faculty are not included in that number.
The school does not generally employ part-time faculty members, but does utilize adjunct faculty members to highlight special skills and insight provided by those not engaged full time in academia. In 2013, there were twelve adjunct faculty members. You can read the biographies on the current full-time faculty members.
For information about the administrators, visit here. Nine members of the administration also teach.
JD Attrition (2012-2013)
The School of Law is dedicated to providing prospective students, the legal academy, and the community at large with the most current consumer information available.
ABA Standard 509 Information Report - Published December 2013
ABA Standard 509 Information Report - Published December 2012
Number of upper division course sections, excluding seminars, with an enrollment: